OverviewResponsible for servicing existing loan portfolio, developing new loan, deposit and financial services relationships and collecting past due loans.
Responsibilities-Determines financial needs with existing and prospective customers. -Reviews loan analyses to determine credit worthiness of loan prospects -Prepares loan packages for and presents to the Credit Committee -Works with customers to determine mutually acceptable lending arrangements -Monitors current loans and credit lines to ensure conformity with loan terms and to detect slow payment trends or deterioration in collateral or the customer's financial condition. -Calls on potential customers and introduces the Bank's financial products and services -Visits with existing customers regarding additional needs -Visits with referral sources regarding new business -Contacting and working with attorneys, accountants, title companies, appraisers -Maintains awareness of and involvement in community, civic and professional activities -Attends and participates in Bank meetings -Determines disposition of daily overdrafts -Other responsibilities, duties and projects as assigned
Qualifications-Must have minimum of 5 years experience in lending -Formal training in credit analysis -Extensive knowledge of commercial lending regulations and procedures -Excellent analytical skills -Effective negotiation skills -Highly organized -PC proficiency - Excel, Word -Must be able to work in a fast paced environment with frequent interruptions -Excellent written and verbal communication skills -Excellent customer relation skills -Bachelor's degree in finance, accounting, or related field is required.